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8 Utility Bill Cuts That Your Service Providers Are Willing To Give If Only You’d Ask

May 6, 2025 By Teri Monroe Leave a Comment

Finding discounts on your utility bills
Image Source: Pexels

Do you struggle to pay your utility bills? CBS News reported that the cost of electricity has risen from 14 cents per kilowatt hour in 2019 to 18 cents per kilowatt hour, an increase of more than 28.5%. The average utility bill in the US was nearly $300 a month in 2024. So, how can you reduce your bills? Here are eight discounts your utility companies may offer if you ask.

1. Assistance Programs

If you receive Supplemental Security Income or Transitional Aid to Families with Dependent Children, you may be eligible for low-income assistance programs. There are also several federal programs that you can apply for assistance. HEARTWAP provides emergency heating system repair and replacement services to low-income households. WAP provides eligible households with full-scale home energy efficiency services. The program is funded by an annual grant from the U.S. Department of Energy, and administered by a network of local agencies.

2. Senior Discounts

Some utility companies offer discounts to individuals 60 years of age or older. Some companies offer a 5% discount for seniors. Many towns have discounts on water services for seniors as well.

3. Veteran Discounts

Many companies offer discounts for active and retired military. For example, if you live in a deregulated electricity state, you can choose your own provider. Then, you can choose a provider that offers a military discount, since many have been discontinued.

4. Paperless Billing Discounts

Ask your utility providers about any discounts for paperless billing. These can be a one-time discount or percentage off each month. Either way, it can help you keep more money in your pocket.

5. Energy Rebates

Did you recently upgrade to energy-efficient appliances or insulation? Many states will offer you a credit for doing so. But they don’t always advertise this fact unless you ask directly. These discounts include rebates for installing energy-efficient water heaters, HVAC systems, building insulation, appliances, weatherization, lighting, and other energy-efficient improvements.

Federal tax credits for energy efficiency expired at the end of 2016, but some programs are still active. If you installed solar panels, you can still receive a tax credit.

6. Loyalty Discounts

Some companies will offer loyalty discounts for long-time customers. It’s best to ask about this type of discount because it usually isn’t offered upfront. However, many companies value loyal customers. So, it’s possible that you’ll be able to get a discount or possibly a lower rate overall.

7. Hardship Discounts

If you can’t pay your utility bill, call your providers. They may offer you hardship assistance. You may be able to make adjusted monthly payments on your balance to avoid interruptions in service.

8. Budget Billing

Budget billing evens out your payments throughout the year based on past usage. This way, you won’t have big fluctuations in your bills in different seasons. If for any reason you underpay or overpay, you’ll receive a credit or additional utility bill.

Reducing Your Utility Bills

When it comes to utility bills, every dollar saved is helpful. Be proactive and call your providers to find ways to reduce your bills. You may be surprised at what you qualify for and how much you can save each month.

Have you received any other kind of discount on your bills? Let us know in the comments.

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Teri Monroe Headshot
Teri Monroe

Teri Monroe started her career in communications working for local government and nonprofits. Today, she is a freelance finance and lifestyle writer and small business owner. In her spare time, she loves golfing with her husband, taking her dog Milo on long walks, and playing pickleball with friends.

Filed Under: Saving Tagged With: lower your utility bill, utility bill, utility bill discounts

The Ultimate Frugal Shopping List for People Who Always Forget The Essentials

April 22, 2025 By Teri Monroe Leave a Comment

frugal shopping list ideas
Image Source: Pexels

Today, it’s even harder to be frugal when grocery shopping, especially with inflation. According to the Economic Research Service, grocery prices have risen by more than 23% from 2020 to 2024. If you want to save on groceries, you have to be strategic. You’ll also need to go to the grocery store armed with a shopping list. Here we’ll discuss how to save on all the essentials, even if you always forget them.

Pantry Staples

The best way to save money on groceries is to start stocking up your pantry stash. Wait until essentials like rice, beans, and pasta go on sale. Then, you’ll save even more money by buying these items in bulk. You’ll continue to save money if you utilize your pantry when cooking meals. Many pantry staples add affordable bulk to meals that help you keep the overall cost per serving down.

Vegetables

For frugal shopping list ideas, pick up vegetables that don’t spoil quickly. You’ll definitely want to grab a bag of potatoes, onions, and carrots. Each of these has multiple uses and doesn’t cost a lot. You may want to consider canned or frozen vegetables as opposed to fresh.

Fruits

Buying fruit, especially cut fruit, can drive up the cost of your groceries. Instead, you’ll want to buy staples like bananas and apples. Usually, there is at least one variety of apples on sale per week. Additionally, canned fruits are usually the cheapest option.

Bread

Some breads go bad more quickly than others. Sometimes, cheap white bread like Wonder Bread is the best choice. If you prefer other varieties like sourdough, you may want to consider making your own to save the most money.

Dairy

With the average price of eggs high right now, substitutes may save you the most money. You can substitute applesauce or mashed bananas for eggs if you’re baking or silken tofu for savory dishes. Cheese can also be expensive if you purchase it from the deli counter. Instead, look for store brands or sale items.

Meats

To save the most money, you don’t need the best cuts of meat. Look for manager’s specials or things like country-style ribs, ground turkey, thin-cut steaks, or sausages. You usually can get a good deal on any of these items. With the right recipe, you won’t have to sacrifice taste either.

Paper Products

Toilet paper and paper towels can cost you a pretty penny if you buy an expensive brand. Instead, you may want to buy items on Amazon and utilize a subscribe & save deal or apply a coupon. You can find the best Amazon deals on Jungle Deals.

Frugal Shopping List Ideas

Don’t wait to purchase the essentials if you want to save money. If you truly want to be frugal and save on your groceries, you’ll have to look for the best deals and buy essentials during sales. Then, you can start to build recipes around these items.

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Teri Monroe Headshot
Teri Monroe

Teri Monroe started her career in communications working for local government and nonprofits. Today, she is a freelance finance and lifestyle writer and small business owner. In her spare time, she loves golfing with her husband, taking her dog Milo on long walks, and playing pickleball with friends.

Filed Under: Frugality Tagged With: frugal groceries, grocery budget, shopping list ideas

Why Your Water Bill Is Sky-High (And 6 Fast Ways to Slash It)

March 27, 2025 By Teri Monroe Leave a Comment

how to save money on your water bill
Image Source: Pexels

Are utility bills leaving you broke each month? If your water bill is sky-high, you may be wondering how to save money on your water bill. The truth is, utility bills can be a huge financial strain if you aren’t mindful about keeping them in check. Here we’ll give you insider tips on how to slash money from your water bill.

Why Your Water Bill Is So High

High water bills are often an indication of a larger problem. You may be overpaying because of unknown leaks, inefficient appliances, running toilets, or excessive use for things like lawn watering or sprinkler systems. Here’s how you can lower your bill.

1. Check for Leaks

Inspect faucets, toilets, and outdoor hoses. Fix leaks immediately. For example, a running toilet can waste 200 gallons of water per day. Check for silent leaks by adding food coloring to the tank; if the color seeps into the bowl without flushing, you have a leak. You may want to call a plumber to conduct a review of your pipes, just in case there is an internal problem.

2. Upgrade Fixtures

Did you know that if you install low-flow showerheads and faucet aerators, you can cut your bill by up to 30%? Small changes like this can make a big impact on your monthly bill. As far as running toilets, you should switch to dual-flush toilets to use less water for liquid waste. This can save up to 67% of toilet water usage.

3. Adjust Your Sprinkler System

Try to water less or change the times you water to early in the morning or evening to avoid evaporation. Repositioning your sprinkler heads to only focus on your grass, not sidewalks or driveways, can save you money. You should also check for broken or clogged sprinkler heads to prevent waste. Make sure that you aren’t watering during inclement weather. You can also adjust your landscaping so that it is less water-thirsty adding in rocks and drought-resistant plants.

4. Shorten Your Water Consumption

It may seem like common sense, but how to save money on your water bill includes reducing how much water you use. Try to take shorter showers, turn the water off when you brush your teeth, and limit how much laundry and dishes you do per week. Just turning off your water when you brush your teeth can save 4-10 gallons of water per day. It may seem like a small improvement, but every dollar saved counts.

5. Adjust Settings on Your Appliances

If you have energy-efficient appliances, you can adjust the settings to save water. If your appliances aren’t energy efficient, it may be more cost-effective to replace them. For example, modern Energy Star-certified dishwashers and washing machines use 35-50% less water. If your appliances are energy efficient there are a few things you can do to help them. First, pre-wash all your dishes so that you don’t need a rinse cycle on your dishwasher. On your washer, make sure to use the appropriate load size setting on your washing machine to avoid using excess water for small loads.

6. Have Your Water Meter Checked

Did you know that you can request your water meter to be replaced? If your meter is dated, you can call your water provider and request a new one. Older water meters can become inaccurate over time, overestimating your usage and leading to higher bills.

Have your utility bills increased recently? How do you save money on your water bill? Let us know in the comments section.

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Teri Monroe Headshot
Teri Monroe

Teri Monroe started her career in communications working for local government and nonprofits. Today, she is a freelance finance and lifestyle writer and small business owner. In her spare time, she loves golfing with her husband, taking her dog Milo on long walks, and playing pickleball with friends.

Filed Under: Saving Tagged With: how to save money on your water bill, reduce utility costs, reduce water bill, utility bills

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